Cheapest Health Insurance in Missouri (2026)

Oscar leads Missouri's health insurance market at $618 monthly. The Gold plan costs $570 per month, $50 less than its own Silver plan at $620. That $50 difference buys a deductible that falls from $3,306 to $1,988, a $1,318 reduction in cost-sharing exposure. For adults who use health care more than once or twice a year, the Gold plan costs less in total than Silver.

Missouri's marketplace has seven insurers. The gap from Oscar at $618 to Medica at $753 is $135 monthly or $1,620 per year. Deductibles across those seven plans range from $1,988 to $10,600, an $8,612 spread that matters more than the monthly premium gap for anyone who needs regular care.

Oscar offers the cheapest health insurance in Missouri at $618 monthly. Cox Healthplans charges $650, while Anthem costs $657. Missouri's marketplace includes 7 insurers competing for your business, giving residents more plan variety than many states with limited carrier participation. The monthly price difference between Oscar and the most expensive option reaches $135.

* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Missouri. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average. Your actual rates will vary based on age, location and chosen plan. 

Oscar's $618 monthly rate sits $32 below Cox Healthplans and $39 below Anthem. Cox and Anthem are priced within $7 of each other at $650 and $657. Then a $96 gap separates Anthem from Medica at the top of the table. 

Blue Cross Blue Shield, Ambetter and UnitedHealthcare, is compressed within $12 of each other, between $702 and $714. Cox Healthplans is a regional carrier, the health plan subsidiary of CoxHealth, a hospital system based in Springfield, Missouri. It's less familiar nationally than Oscar or Anthem, but its rates are competitive and it operates within Missouri's provider network.

Oscar offers the cheapest Silver-tier plan across every age group in Missouri, from $371 monthly for children to $1,317 for 60-year-olds. The most affordable plan for you depends on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs.

* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds. 

The 60-year-old senior rate in this table is $1,317 monthly, more than double the $620 a 40-year-old pays for the same Oscar Silver plan. Age-rating rules across all states produce this gap. Seniors paying $1,317 monthly for a marketplace plan should check Medicare eligibility first. Adults 65 and older qualify for Medicare, where premiums for comparable coverage are lower for most enrollees. 

Oscar's Silver-tier plan costs $371 monthly for children, $249 less per month than the adult rate of $620 on the same plan. That gap adds up to $2,988 per year.

Cox Healthplans offers the cheapest Bronze plans in Missouri at $473 monthly, while Oscar provides the most affordable Silver and Gold options at $620 and $570, respectively. Platinum plans aren't available in Missouri, Bronze plans have the cheapest monthly payments but require more cost-sharing when you visit doctors. Your metal tier choice affects your monthly premiums and out-of-pocket costs when you need care.

* Rates shown are the provider's average at the given metal tier for 40-year-olds.   

Oscar's Gold plan cuts your out-of-pocket maximum to $6,806 versus $7,603 for Oscar's Expanded Bronze tier, a $797 difference in maximum annual exposure. Anthem's Catastrophic plan carries a $10,600 ceiling, $3,794 more than Oscar's Gold tier.

Anthem's Catastrophic plan at $476 monthly is only $3 less than Cox Healthplans' cheapest Bronze plan at $473. The tradeoff is a $10,600 deductible versus $7,950, a $2,650 gap. Catastrophic coverage is the right choice only if you qualify by age (under 30) or through a hardship exemption and can cover the $10,600 deductible out of pocket.

Find affordable health insurance options in Missouri that match your needs.

Use these steps to identify affordable coverage that covers your health care needs.

My recommendation for most Missouri shoppers is Oscar's Gold plan at $570 monthly. The Gold deductible of $1,988 is $1,318 lower than Oscar's own Silver plan. You pay $50 more per month and owe $1,318 less before coverage takes effect. For any household that uses health care more than twice a year, Gold costs less in total. 

Cox Healthplans is the right call for Bronze shoppers. At $473 monthly, it beats Oscar's Expanded Bronze by $14. If you're healthy and want the lowest possible monthly payment with minimal planned care, Cox Healthplans is the better choice.  

Anthem's Catastrophic plan at $476 monthly is the right call only if you qualify by age (under 30) or through a hardship exemption. For everyone else, its deductible of $10,600 makes it a harder case than either Bronze or Gold options from Oscar and Cox Healthplans.

We've answered the frequently asked questions about affordable health insurance in Missouri:

To identify Missouri's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds.

Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison. Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which can increase your costs when receiving care.